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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $129,764 | $181,896-28.7% | $156,551-17.1% | $273,972-52.6% |
| Participation rate | 64.3% | 88.4%-24.1pp | 84.0%-19.7pp | 83.0%-18.7pp |
| Annual return | 8.33% | 30.74%-22.4pp | 32.23%-23.9pp | 41.46%-33.1pp |
| Employer contribution / active EE | $2,410 | $6,248-61.4% | $5,501-56.2% | $4,869-50.5% |
| Participant deferral / active EE | $6,031 | $5,550+8.7% | $4,871+23.8% | $5,287+14.1% |
| Admin fee / account holder | $3,339 | $15,560-78.5% | $13,028-74.4% | $10,133-67.0% |